Credit Dispute Letter – Remove Bad Credit

A dispute letter is how you can challenge the accuracy or validity of a bad credit item on your report. In your letter you must include the reason for the dispute and what item is being disputed.

Frequently dispute reasons are; item is out of date, account is paid in full, not my account, information is wrong and more. Upon receipt of a valid dispute letter the bureaus will investigate the item.

During this investigation the collection agency or lender is contacted and the account is verified and the dates and amounts. If the account can not be verified then it will be removed from your credit report.

Frequently investigations result in bad credit marks being removed from your credit. This is often because businesses do not want to spend the extra money and time validating disputed debts.

Allegedly bureaus do not check public records during investigations. This means that negative marks that are recorded in public records are often removed.

Another option is to hire a service to perform your disputes for you. This can help tremendously especially if you are disputing multiple items.

It is common for a dispute letter to result in the bureaus sending you a letter requesting more information about the dispute. In addition each credit bureau needs to be disputed separately.

Thus the organization during your credit repair can become a challenge on its own. Also credit services can use advanced dispute techniques such as; creditor direct intervention, debt validation and escalated dispute information requests to remove a bad credit item.

Also services will have attorneys on their staff. This enables you to go to court should it be required and file a lawsuit against a collection agency if you are the victim of illegal collection practices.

Credit repair is not only your right it is your responsibility. There are estimates that 1 in every 4 people have inaccurate information on their credit report.

In sum if you have unverifiable or inaccurate information on your credit report you should use a dispute letter to challenge it. You can remove bad credit without waiting 7 years.

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